How Do I Check If I’m Blacklisted by Credit Bureaus in Nigeria?

In Nigeria, being “blacklisted” usually means your name appears on a credit bureau’s list as a high-risk borrower, often due to unpaid loans, late payments, or unresolved debts. This can make it hard to get new loans, credit cards, or even jobs. Many people only find out they’ve been blacklisted after their loan applications get rejected.

Here’s how to check your credit status and know for sure:

First, understand that credit bureaus in Nigeria, CRC Credit Bureau, FirstCentral Credit Bureau, and CreditRegistry collect and share your loan and repayment history with banks and lenders. If you’ve missed payments or defaulted, your information may be reported.

To find out your credit status, request your credit report. Everyone in Nigeria is entitled to one free report per year from each bureau.

• CRC Credit Bureau: Visit crccreditbureau.com, click “Get My Credit Report,” fill out the form, and attach a valid ID.
• FirstCentral: Go to firstcentralcreditbureau.com, register or log in, and follow the steps. A small fee may apply.
• CreditRegistry: Visit creditregistry.ng , click “Request Credit Report,” and fill in your details.

Once you receive your report, check for signs of blacklisting such as overdue loans, defaults, court judgments, or multiple unpaid accounts. These entries lower your credit score and signal lenders to stay away.

If you find errors, like debts you’ve already paid or wrong entries, dispute them. Contact the credit bureau, share proof like payment receipts or settlement letters, and ask for a correction. Once fixed, your score could improve.

Checking your credit regularly helps you stay in control and take steps to rebuild if needed.

Monitor Your Credit Often
To avoid surprises, it is recommended that you review your credit status regularly.It starts with checking your credit score.
Download Scorewise available on Apple store or playstore to see where you stand, and how to improve it.